World2Cover Travel Insurance

World2Cover travel insurance review

World2Cover offers unlimited protection for overseas medical, evacuation, cancellation fees and emergency expenses.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    Our Verdict

    • World2Cover’s new for old feature means that if your personal items need to be replaced, you’ll get a brand new one of the same value
    • The Basics Cover is not just medical-only like many other providers but includes up to $2,000 of personal items cover
    • World2cover does offer some coverage for coronavirus-related claims.

    Review by our senior insurance writer James Martin

    Compare Policies from World2Cover

    Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
    World2cover International Top Cover Travel Insurance
    • Unlimited
    • Unlimited
    • $15,000
    Some cover
    World2cover Domestic Travel Insurance
    • No
    • $25,000
    • $7,500
    Some cover

    Compare up to 4 providers

      Check out this World2Cover deal


      Get 25% off World2Cover Travel Insurance

      What policies are available with World2Cover?

      Since all travellers have very different needs on their holiday, World2Cover Travel Insurance offers five types of insurance policies for you to choose from.

      • International Basics Cover. A simple policy to provide the fundamental cover that you shouldn’t go without including unlimited overseas medical expenses, legal liability and a lower limit for emergency expenses and luggage
      • International Essentials Cover. Bump up your cover with cancellation fees, accidental death or disability and rental vehicle excess covered
      • International Top Cover. When you want to be insured for every scenario, Top Cover gives you increased policy limits including unlimited cancellation fees and lost deposit cover
      • Annual Multi-trip. Get covered and save if you’re planning to travel multiple times over a 12-month period for both domestic and international trips
      • Domestic. For those great Aussie adventures where you want to cover yourself for cancellation costs, personal effects and rental vehicle excess

      Will World2Cover cover COVID-19?

      World2Cover does not currently provide cover for any claim that is a result of COVID-19 and it is considered​ a general exclusion under World2Cover’s policies. For more information on providers that do cover COVID-19, read our full coronavirus travel insurance guide.

      Here’s a rundown of World2Cover Travel Insurance

      As with any good travel insurance provider, with World2Cover, you’ll find a range of included benefits, optional extras and definite exclusions. It’s important to read the Product Disclosure Statement in full and ensure that you’re getting the right amount of cover for your trip.

      Standard benefits

      Got your eye on a World2Cover Travel Insurance policy? Here are some of the key policy benefits included in the International Top Cover to help you decide if World2Cover is the best option for you:

      • Overseas medical expenses. When you suffer an accidental injury or sickness overseas, World2Cover provides unlimited cover for the resulting medical expenses
      • Cancellation fees and lost deposits. If the unexpected happens and you need to cut your trip short or cancel entirely, you’ll be reimbursed for pre-paid travel and accommodation arrangements
      • Luggage and personal money. For personal items that get stolen or damaged, World2Cover will cover the repair or replacement cost
      • Luggage delay. If you’re ever stuck with a luggage delay of more than 10 hours, for example, when it’s lost by an airline, you’ll be reimbursed for the cost to buy essential clothing and personal items
      • Rental vehicle excess. If you rent a car while on holiday and it’s involved in an accident or gets stolen, then you can have the cost of the insurance excess covered
      • Legal liability. Insurance for the legal costs and expenses involved with settling and defending a claim made against you if you cause damage to someone’s property or another person
      • Accidental disability. Get covered for a lump sum benefit if an injury occurs causing you a permanent disability
      • Emergency expenses. If your trip is disrupted due to a natural disaster, a lost or stolen passport, or you are unfit to travel, World2Cover will cover your additional accommodation, meals and travelling expenses
      • Special events. Travelling for a wedding or other significant occasion? You’ll be covered if your arrival is delayed due to circumstances beyond your control
      • Domestic pets. For those of us who need to leave our fur babies at home, you’re covered if they suffer an injury during your trip and requires veterinary treatment

      Optional extras

      Even the most comprehensive of insurance policies won’t include everything but if there’s something that isn’t covered as standard, you may be able to pay an additional premium to add an extra cover to your policy. Make sure you read the fine print so you know what you are and are not covered for.

      • Ski and winter sports is necessary if you’re going to be hitting the slopes during your trip as overseas medical expenses will not be covered otherwise. You’ll also be covered for snow ski equipment hire and the cost of pre-paid ski passes, ski hire, tuition fees or lift passes
      • Pre-existing conditions are not all covered as standard and some are not covered at all. You may have to complete a medical assessment and pay an additional premium if you want to be covered

      General exclusions

      Before purchasing any insurance policy, you should take careful note of the specific exclusions that apply. In general, World2Cover will never honour a claim if:

      • You are deemed to be acting irresponsibly at the time of the incident, or if you or a travelling companion are under the influence of drugs or alcohol
      • You are doing something illegal or breaking any regulation or law when the issue arises
      • You're driving a vehicle without the proper licence for the country you're in, or are a passenger on a motorcycle or similar with someone unlicensed driving
      • You went ahead with travel plans despite official warnings from the government or mass media
      • Your claim relates to a pre-existing medical condition you either did not inform World2Traveller about or which wasn't approved
      • You were participating in risky sports or activities (e.g. mountaineering, rodeos)

      Review the World2Cover Travel Insurance Product Disclosure Statement for a complete list of general exclusions.

      How to make a claim on World2Cover Travel Insurance

      1. Register online with the email address you used to purchase your policy
      2. You’ll receive an email to guide you through the steps to set up your password
      3. If you have already registered to claim, you can log in using your email and password
      4. Complete your claim details by answering all sections
      5. Submit and your claim should be assessed within 10 working days

      Frequently asked questions about World2Cover

      More guides on Finder

      Ask an Expert

      You are about to post a question on

      • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
      • is a financial comparison and information service, not a bank or product provider
      • We cannot provide you with personal advice or recommendations
      • Your answer might already be waiting – check previous questions below to see if yours has already been asked

      Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

      2 Responses

        Default Gravatar
        JonathanJune 21, 2018

        Can you provide a list of Travel Insurers for someone over the age of 72 years who travels regularly and for long periods between Adelaide and Denpasar, Bali?


          Avatarfinder Customer Care
          JeniJune 22, 2018Staff

          Hi Jonathan,

          Thank you for getting in touch with Finder.

          It is recommended to get an annual travel insurance for someone who travels a lot in a year to save more on your trips.

          You can enter your travel details from our travel insurance for seniors form to compare quotes from different providers. When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

          I hope this helps. Please feel free to reach out to us if you have any other enquiries.

          Thank you and have a wonderful day!


      Go to site